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As far as the retirement saving crisis is concerned, more and more people are coming to terms with the fact that they probably aren’t going to be able to save enough money to just sit around and slowly deplete their nest egg from age 62 to 100.  With the average 50 year-old estimated to have less than $50,000 in retirement savings, there is an obvious need to find alternative ways to either save more or generate supplemental income starting now, and continuing throughout retirement.  Moving beyond just the dollars and cents, boomers are growing tired of feeling guilty or bad about their past savings habits and are interested in moving towards possible solutions.
Let's say you tried to make it sound, and said "Forget the multilevel recruiting, I'm going to focus on selling the product." Is anyone doing that successfully? It would not appear so. During yet another lawsuit in the UK, the government found that less than one in ten participants ever sold even a single product to another person. Since the company has its distributors as a captive audience required to make regular purchases, the products are typically grossly overpriced compared to similar products available in supermarkets. This makes their sale a dubious prospect for those few distributors who ever do attempt retail sales to customers. Surveys show that nearly all products purchased by network marketers are consumed by the distributors themselves.

In an October 15, 2010 article, it was stated that documents of a MLM called Fortune Hi-Tech Marketing reveal that 30 percent of its representatives make no money and that 54 percent of the remaining 70 percent only make $93 a month, before costs. Fortune was under investigation by the Attorneys General of Texas, Kentucky, North Dakota, and North Carolina with Missouri, South Carolina, Illinois, and Florida following up complaints against the company.[39] The FTC eventually stated that Fortune Hi-Tech Marketing was a pyramid scheme and that checks totaling more than $3.7 million were being mailed to the victims.[40]


I’m truly sympathetic to this desire. A lot of folks are struggling financially out there; Dad’s salary alone isn’t enough to support the family (or he’s out of work altogether), and Mom getting a job may not be a big help once the cost of childcare is factored in. Plus, a lot of moms simply don’t want to send their kids to childcare and want to be able to stay home with their children.
Flower Power, which sells CBD-infused coffee to cafes like Caffeine Underground in New York City, puts 5 mg of CBD in each serving of coffee. The company, like many involved in the sale of CBD, is extremely careful about what it says regarding CBD’s effects for fear of FDA intervention. The standard language for CBD packaging and website documentation is similar to that of many supplements (think: milk thistle, echinacea, elderberry, turmeric) and is some variation on: “These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease or ailment.”
Cannabidiol (CBD), a non-psychoactive segment of the marijuana plant, has created huge enthusiasm among researchers and physicians.  CBD Oil applies its remedial effect on an atomic level is as yet being sorted out. Cannabidiol is a pleiotropic sedate in that it produces numerous impacts through various atomic pathways. CBD Oil acts through different receptor-free channels and by official with various non-cannabinoid receptors and particle channels.
I suffer from severe anxiety characterized by random panic attacks depression. Medication has not been helping. We moved and I stopped doing all the things I use to enjoy. Within days of using this product I was back doing the things I love. I cannot believe the amount of relief I get from this miraculous product. Zero unpleasant taste easy to take I have no complaints other than I wish I wouldve found this product years ago. Ive recommended it to everyone I know and I dont plan on ever being without it from now on. Looking forward to completely weening off my medication because I believe this product will help me more with no side affects. Do yourself a favor and start taking this there is a solution and this is it

CBD oil may be of some benefit to those with addiction, suggests a review published in the journal Substance Abuse in 2015. In their analysis of 14 previously published studies, scientists determined that CBD may have therapeutic effects in people with opioid, cocaine, and/or psychostimulant addiction. They also found that CBD may be beneficial in the treatment of cannabis and tobacco addiction. There is some evidence that CBD may block or reduce the effects of THC on the mind.


Whereas marijuana contains both THC and CBD, hemp contains almost exclusively CBD — THC occurs only in very trace amounts. Remember, though, that there are many varieties of marijuana and hemp plants, and their concentrations of THC and CBD vary. Those with high THC are used primarily for recreational use; plants with low or no THC and high CBD are best for medicinal use. Only cannabis with less than 0.3% THC can be legally classified as hemp.
Fast forward to 2017. LuLaRoe is the biggest MLM for women. “More than 80,000 women have paid around $5,000 for several boxes of low-cost clothing and worked as much as 80-hour weeks to outfit hundreds of thousands of suburban women in multicolored polyester. But according to a report that studied the business models of 350 MLMs, published on the Federal Trade Commission’s website, 99% of people who join multilevel-marketing companies lose money. Depending on how you look at it, it’s either a brilliant business model or a predatory practice — or a little bit of both.” (FTC)
First, let’s look at the differences between the plants that make CBD oil.  To start with, the two plants look physically different.  This is due to the different reasons that both of them are grown.  Cannabis, grown for its flowering buds for reasons of smoking or THC extraction, are generally short and wide.  Hemp, on the other hand, is tall and narrow as it is not grown for its buds. Hemp is low in THC and is often grown for a variety of purposes including the manufacture of materials.
I have idiopathic peripheral neuropathy ... the only thing they found that would work is lyrica. I picked up some CBD oil yesterday morning. I am prescribed to take 75 mg of lyrica 3x per day. I took one yesterday morning and have only used the CBD oil since. I bought the Koi brand, flavored, 250 MG. I used a full dropper yesterday late morning and a full dropper yesterday late afternoon. I used it once today (one full dropper) and I am amazingly pain free.
Although each MLM company dictates its own specific financial compensation plan for the payout of any earnings to their respective participants, the common feature that is found across all MLMs is that the compensation plans theoretically pay out to participants only from two potential revenue streams. The first is paid out from commissions of sales made by the participants directly to their own retail customers. The second is paid out from commissions based upon the sales made by other distributors below the participant who have recruited those other participants into the MLM; in the organizational hierarchy of MLMs, these participants are referred to as one's down line distributors.[5]
Hemp Extract or CBD- A Canadian hemp oil extract with naturally occurring terpenes, flavonoids, and other beneficial phytonutrients extracted from the hemp plant. This CO2 extracted hemp oil is free of harmful solvents and uses a gentle, low temperature, alcohol free extraction process that yields the purest form of hemp oil extract available. This clean oil extraction process yields a high quality extracted hemp oil retaining a broad spectrum of terpenes and other phyto compounds derived from the Cannabis Sativa industrial hemp plant like CBD Oil. This does not contain THC and is legal in all 50 states. 
There are several names for multilevel marketing, including direct marketing, network marketing, referral marketing, direct sales and consumer direct marketing. In a typical MLM, an individual seller earns commissions in two ways: (1) from direct sales and (2) from sales generated by others recruited by the seller. The seller's recruits may have recruits of their own, and the original seller receives commissions from those sales as well. Download AARP Foundation's toolkit, Multilevel Marketing: The Research, Rewards and Rewards, to learn more about MLMs and decide whether one is right for you. 
So if network marketing plans don't work, why do people buy into them? Network marketing plans are easily sold by simply laying out some compelling mathematics on a whiteboard. A typical program sets five downline members as the goal for each participant: To be successful, you need only recruit enough people to end up with just five who actively participate. Below those five are their five apiece, totaling 25. This is your network. Each downline of five are qualified by participating at the minimum required level, so this model already excludes everyone who is flakey or only half-hearted, leaving only the five good ones in each downline. Your commissions based on those minimum participation levels — where all five below you dutifully make their minimum monthly inventory purchases — guarantees you an impressive income. The mathematics are black and white, and it's so simple that nothing can go wrong. You'd have to be stupid not to do it.

Our CBD oil is lab-tested as soon as it is extracted and then again by a third party lab (Steep Hill) in Berkeley, California, to ensure an accurate amount of CBD. In addition, we test for over 200 pesticides, herbicides, mold, fungi, heavy metals, and mycotoxins. We use cutting-edge testing and world-class equipment to ensure that our products are safe and healthy. Please contact us for current lab results.
Right now, MLMs are preying on lower-income, often undocumented immigrant communities and taking advantage of their lack of knowledge and finances. Their reps lure them in by telling that they are giving them the tools to start their own businesses and that they can create jobs for their friends and family members. In the 2016 documentary, Betting On Zero, director Ted Braun talks to several Latino families who have lost their entire life savings to Herbalife. They were told by MLM reps that it’s easy work and that it’s not dangerous, and so they sold their construction businesses to invest in Herbalife.
Besides earning money off your own sales, you also earn a percentage of the income generated by the distributors that you've brought into the program (these are known as your downline). Often there are bonuses for selling particular amounts of product or signing up a certain number of new members; you can earn cars and trips as well as cash. Sounds good, doesn't it? And being part of a well-run MLM business can be a lot like being a member of a large extended family.

And that’s what’s maddening and fascinating about CBD: It isn’t bullshit. Crystals are bullshit. Himalayan salt ionizers are bullshit. SugarBearHair apparently doesn’t contain what it says it does, though it wouldn’t work better than a well-balanced diet even if it did. CBD, though wildly understudied, is not bullshit. In fact, the FDA just approved its very first cannabis-derived drug, a CBD-based epilepsy treatment called Epidiolex. The dosage for Epidiolex starts at around 2.5 mg/kg and is increased to 5 mg/kg, so a 150-pound adult would settle onto a dose of just over 340 mg per day, though the diseases it targets start in childhood.


Andrew Sherman has reported (in his book Franchising & Licensing) that six states explicitly regulate MLM: Georgia, Maryland, New York, New Mexico, Wyoming, and Louisiana. So does Puerto Rico. Laws regulating MLM typically 1) require that MLM companies explicitly permit their agents to cancel their agreements and to agree to repurchase inventories at not less than 90 percent of the original transfer price; 2) prohibit inducements under which the agent is told that he or she will earn a specific amount of money; 3) prohibit the purchase of a minimum inventory; and 4) prohibit operations under which agents are only paid for recruiting others. Many states without MLM regulation nevertheless have laws prohibiting pyramid schemes under which they attempt to police MLM companies that overstep the line.
Get literate. Secure copies of all available company literature, including the company’s most recent financial statement, to check gross sales. Bear in mind that in most cases this document will be next to impossible to get unless the company is publicly owned. But ask anyway. Look at the number of years the company has been in business, the areas where it operates, and how many distributors it has. Talk to company officers about the average earnings of its distributors, its product return policies, and the distributor dropout rates.

I will continue to use bluebird botanical products loyally. Their customer service is exceptional. Their products are of exceptional quality and reasonably priced. Due to the dedication of their staff, I have been given back something I thought was lost to me: HOPE. I cannot thank BlueBird enough for their dedication to sharing a product that improves the quality of life for others.

But here’s the thing. By recruiting close family members or friends into your downline, you contaminate those relationships with commercialization. You take all that good will you’ve developed with someone over months and years and cash it all in on getting them to be a commission for you. From that moment on, the person won’t be able to tell if your gestures towards intimacy are genuine, or an attempt to get you to buy or distribute product. Perhaps even more sadly, you may lose the ability to tell the difference yourself.
Let’s start by looking at THC.  THC (tetrahydrocannabinol) is the compound found in cannabis with psychotropic properties.  Medical marijuana companies breed their plants to have the highest concentrations of this compound.  It is associated with the feeling of being high that marijuana smokers experience.  Effects include feelings of euphoria, pain relief and sometimes increased anxiety and paranoia.
Hello. I have stage 4 thyroid, secondary lymphoma..And many other health issues.I use 50mg of cbd vapor oil. 5 drops with each use. Total equals 250mg, about hits per dose, three times a day. I'm also on subsys, which is fentanyl. Idk about anyone but myself, but it's helped me with pain, with sleep, and in general my moods. So I dint have anything negative to say. I just hope that with time, proper diet, low dose chemo, and some other herbal usage, that I can shirk some of the cancer eating at my body... Thanks and good luck to you all.
Hempseed oil is manufactured from varieties of Cannabis sativa that do not contain significant amounts of tetrahydrocannabinol (THC), the psychoactive element present in the cannabis plant. This manufacturing process typically includes cleaning the seed to 99.99% before pressing the oil. There is no THC within the hempseed, although trace amounts of THC may be found in hempseed oil when plant matter adheres to the seed surface during manufacturing. The modern production of hempseed oil, particularly in Canada, has successfully lowered THC values since 1998.[5] Regular accredited sampling of THC in Canadian hemp seed oil shows THC levels usually below detection limit of 4 ppm (parts per million, or 4 mg/kg). Legal limit for THC content in foodstuffs in Canada is 10 ppm.[6] Some European countries have limits of 5 ppm or none-detected, some EU countries do not have such limits at all.
My step son works at a place that sells both oils. We were visiting him and he gave me a bottle of hemp oil to try because I have severe back and leg pain. I had a spinal fusion about 4 years ago and now I’m looking at needing another one. I have literally been in pain at least at a 3 for a 3 years and this stuff works like magic! I can usually push through pain and get the job done but pay for it for days later. I’m sick of pain pills and all the red tape I have to go through to get them, just so I can be doped up and tired…still not functioning. This hemp oil also has me at a fairly stable 2 on the pain scale. Every night before bed. I hope more people find out about these oils, they are so helpful for so many things!

Hemp oil is comprised of 25 percent protein, says Dr. Andrew Weil, the program director for the Arizona Center for Integrative Medicine, which is recognized by the Arizona Board of Regents. This high-quality protein provides amino acids in ratios similar to the protein in meats and eggs. The structure of hemp oil proteins makes them easily digestible. Compared to other oils, hemp oil provides the protein and amino acids the body needs without adding unnecessary calories.


Healthy fats are those which contain polyunsaturated and monounsaturated fats. Due to hemp oil’s high concentration of GLA, regular consuming may be helpful for those who do not eat fish or eggs to reach their recommended daily intake of healthy fat. Research has found that having a diet high in healthy fats can improve sensitivity to insulin and stabilize heart rhythm.

Ask yourself whether you would enjoy selling products to the public. Find out how many hours a week your sponsor and other distributors spent on the business when they joined and how much time they spend now. Remember that no matter how good the product and how solid the plan, you’ll need to invest sweat equity and money for your investment to pay off. Consider the other demands of the business — for example, going to training, recruiting new distributors, managing paperwork, recording inventory, and shipping products.  

My husband has RSD and we are considering CBD oil -= I would ask at Hempmed because the spray won't have enough in it. Our dgt';s friend has ovarian cancer and it is shrinking her tumors but the spray would never have been enough. I would get CBD oil and check with Hempmeds to see what they suggest. It isn't cheap but it does work. LOW dose Naltrexone about 4.5 mg is very helpful for RSD and is usually used for getting people off of drugs but is working on turning off the glial cells that surround the nerve that is causing the nerve to scream in pain. We are also using PeaPure that is out of the Netherlands and we are seeing a response, even though small. His other leg touched the painful leg without causing more severe pain. That is progress. We also are using Poison Ivy Cream through Meadowlake Farms that has helped the burning surface pain. Change your diet and get rid of Gluten and Sugar, anything that causes inflammation. This is to allow your own body to work. Absolutely do not use any pain killers as it will turn up your pain. all the Hydrocodone, etc causes neural inflammation and so it will keep cascading higher your pain. Hope this is helpful. Mary
Medterra is a miracle worker for helping me through my recovery process after suffering a compound fracture in my arm followed by a major surgery. This product was my go to over any pain pills provided by my doctors, helping deal with the (insane) pain and ease my sleep cycle without any side effects or grogginess. Cant praise this product enough for allowing me to heal naturally!!
Of course, there are many different treatments for both anxiety and depression. However, they have a lot of side effects. These include agitation, drowsiness, insomnia, headaches, and sexual dysfunction. In addition, certain prescription drugs can be very addictive, like BZDs. In fact, they can be more addictive than hard drugs such as crack cocaine or heroin.

Why support the endocannabinoid system? The endocannabinoid system (ECS) is gaining attention in the public eye for its role in contributing to an individual’s overall health and well-being by supporting the body’s physiological homeostasis. The ECS regulates nearly every metabolic process in the body system. A well-balanced ECS encourages favorable conditions in the body system, impacting the body’s ability to manage metabolic stress1 and may support overall health and well-being.2
The friend continues, “It gets better! If those 3 recruits each recruit 3 people themselves, you’ll earn 5% commission on the product they buy from the company as well. You’ll be a ‘Gold Star’ level distributor at this point and you’ll be able to buy product from the company at a 30% discount. To maintain this status, your group of 12 recruits beneath you need to collectively buy $1,200 worth of product each month from the company.”
Hi I've had rsd over 25 years now and in stage 3 I take cbd I'mor nong 6 weeks now and it's helped tons w my depression,sleep,constipation as well as energy. I take 2 drops under tounge every morning and Rick spson oil 3 xs day.It's bern beyond life changing for me look into the rs oil w the cbd. It works.. I still take 1 opiad a day have taken 2 a day only 3 times in almost 2 months when I was in bad flare ..

I purchased this product locally and as I walked back to my car, I was in so much pain in my feet and hands I wasnt sure I could make it back. I sat in my car and took a dropper full (1ml). As I was sitting there I could feel the inflammation in my hands disappear and the pain went away. My feet began to feel the effects next and the pain all but subsided. I hadnt been sleeping very good at night but last night I slept like a baby with NO pain. Why isnt this marketed as a product that is NON opiod and covered by insurance? Rheumatoid Arthritis is the most painful thing in the world but this helped me 100%. I almost cried last night I was so happy for a change! Thank you for making this product.
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